Insurance Claims &
Appraisal Support
Insurance companies send adjusters trained to minimize your payout. Texas Prime Homes investigates the cause of your damage, documents everything, and establishes the full amount of loss — giving you the evidence to back up every dollar of your claim.
- Free independent inspection — before you call insurance
- Full photographic and written damage documentation
- We establish the full amount of loss
- Direct coordination with your carrier
- No out-of-pocket cost beyond your deductible
2,500+
Claims Supported
Across the Rio Grande Valley
Same Day
Inspection Available
Call us right after the storm
20+
Carriers Worked With
State Farm, USAA, TWIA & more
$0
Out-of-Pocket
Beyond your deductible
What Most Homeowners Get Wrong
4 Costly Insurance Claim Mistakes
Most homeowners don't know how the claims process works — and insurance companies count on that. Here's what to avoid.
Calling Insurance Before Getting an Inspection
Once you file a claim, the clock starts. If you haven't documented the damage independently first, you're relying entirely on the insurance adjuster's assessment — which is designed to minimize your payout.
Accepting the First Settlement Offer
Initial settlement offers are almost always lower than what you're owed. Insurance companies count on homeowners not knowing the true cost of proper restoration. Texas Prime Homes establishes the real number.
Letting the Adjuster Inspect Alone
Insurance adjusters are trained to find reasons to reduce your claim. Having a knowledgeable contractor present during the adjuster visit — or having your own documentation ready — changes the dynamic entirely.
Waiting Too Long to File
Most Texas homeowner policies have a one-year window to file a storm damage claim. Waiting allows damage to worsen and gives insurance companies grounds to deny coverage for "delayed reporting."
Call Texas Prime Homes before you call your insurance company.
We'll inspect your property, document the damage, and give you an independent assessment — so you walk into the claims process with evidence, not just a phone call.
Call 956-250-4094 — Free InspectionHow We Do It
Our Insurance Claims Process
From the first call to the final walkthrough — here's exactly how Texas Prime Homes handles your insurance claim.
Free Consultation & Inspection
Call Texas Prime Homes. We come out — often same day — and perform a thorough, independent inspection of your property. We document every point of damage with photos, measurements, and written notes.
Damage Report & Scope of Loss
We prepare a comprehensive damage report that establishes the cause of loss, the full extent of damage, and the cost to restore your property to pre-loss condition. This is your evidence.
Insurance Appraisal Support
If your insurance company disputes the scope or value of your claim, Texas Prime Homes can support the appraisal process — providing documentation, expert testimony, and direct coordination with your carrier.
Full Settlement Negotiation
We work with your insurance company to ensure the settlement reflects the true cost of restoration. We don't accept lowball offers — we counter with evidence and fight for every dollar you're owed.
Restoration with Owens Corning Materials
Once your claim is approved, we handle the complete restoration using Owens Corning Preferred Platinum materials — the highest quality available. You pay only your deductible and any upgrades you choose.
"My job is to investigate the cause of your damage and establish the full amount of loss. I make sure the insurance company pays what they owe — and I make sure your home is protected the right way."
Juan Adame
Founder & Owner, Texas Prime Homes LLC · Edinburg, TX
All Major Carriers
We Work With Every Insurance Company in Texas
Common Questions
Insurance Claims FAQ
What is a public adjuster vs. what Texas Prime Homes does?
A public adjuster is a licensed professional who represents homeowners in insurance claims for a percentage fee (typically 10–15% of your settlement). Texas Prime Homes is a licensed roofing contractor who documents damage, establishes the scope of loss, and supports your claim as part of our restoration service — at no additional cost beyond your deductible and any upgrades you choose.
What is the insurance appraisal process?
If you and your insurance company disagree on the value of your claim, most Texas homeowner policies include an appraisal clause. Each party selects a competent appraiser, and the two appraisers select an umpire. Texas Prime Homes can provide documentation and support throughout this process to ensure your position is well-documented.
How long do I have to file a storm damage claim in Texas?
Under Texas law, you generally have one year from the date of the storm to file a claim. However, policies vary — some have shorter windows. Don't wait. Call Texas Prime Homes for a free inspection as soon as possible after a storm event.
What if my insurance company already denied my claim?
A denial is not always final. Texas Prime Homes can review the denial, assess whether the damage was properly documented, and help you understand your options — including requesting a re-inspection or invoking the appraisal clause.
Do I have to use the contractor my insurance company recommends?
No. In Texas, you have the right to choose your own contractor. Insurance company "preferred contractors" are often selected based on cost — not quality. Texas Prime Homes is an independent Owens Corning Preferred Platinum Contractor who works for you.
What does "establishing the amount of loss" mean?
It means documenting the full cost to restore your property to its pre-loss condition — including materials, labor, disposal, and any code-required upgrades. Texas Prime Homes prepares this documentation so your claim reflects the true cost of proper restoration, not a discounted estimate.
Homeowners We've Fought For
"The insurance adjuster said our damage was "pre-existing." Juan documented everything and proved it was storm-related. We got the full replacement covered."
— Veronica H., McAllen
"I had no idea how the appraisal process worked. Texas Prime Homes walked me through everything and handled the insurance company directly. Stress-free."
— Robert C., Harlingen
"Our first claim was denied. Juan reviewed the denial, found errors in the adjuster's report, and helped us get it reopened. We got our roof replaced."
— Ana L., Brownsville
Insurance Claims Help Near You
Serving All of the Rio Grande Valley
Don't Let Insurance Decide
What Your Home Is Worth.
Call Texas Prime Homes before you call your insurance company. Free inspection. Full documentation. We fight for you.